The problem is that most people do not realize how much they can pay back, and that causes their trouble. It's the same with me, thankfully my boss gave me a bonus this month, but I am near my entire salary for my debt, not because of luxury or anything, it's medical bills I am paying, but it is still terrible calculation on my behalf, I should have taken long term loan, I just wanted to pay it and be done with it quickly, so that was my mistake, but after a few more months of terrible period, I will be done in a couple of months.
In the end, calculate how much you can pay back, you can always get a loan there is nothing wrong with debt, just realize if you can pay it fine or not, if you can pay it fine without trouble then getting debt is fine.
Another problem is that people cannot distinguish between good debt and bad debt, a loan that you can get for a low interest rate, that you use to create a new source of income for yourself or in your health is a good debt, but most of the debt taken today by people is bad debt, as they have to pay high interest rates on it and they take it just to mindlessly consume things they do not even need or want, and yet they keep taking that kind of debt as they believe this is the way people are supposed to live their life.